The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$79,994
−HK$5,016/mo
▼ 0.25% · 3.875%
HK$82,482
−HK$2,528/mo
Today · 4.125%
HK$85,010
baseline
▲ 0.50% · 4.625%
HK$90,183
+HK$5,173/mo
Deposit HK$17.54M · loan HK$17.54M · min. income ≈ HK$170,020/mo (50% DSR)
Upfront cash ≈ HK$19.03M (deposit + AVD stamp duty HK$1,490,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,992
−HK$4,808/mo
▼ 0.25% · 3.875%
HK$91,379
−HK$2,421/mo
Today · 4.125%
HK$93,800
baseline
▲ 0.50% · 4.625%
HK$98,745
+HK$4,945/mo
Deposit HK$17.54M · loan HK$17.54M · min. income ≈ HK$187,600/mo (50% DSR)
Upfront cash ≈ HK$19.03M (deposit + AVD stamp duty HK$1,490,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,993
−HK$6,019/mo
▼ 0.25% · 3.875%
HK$98,978
−HK$3,034/mo
Today · 4.125%
HK$102,012
baseline
▲ 0.50% · 4.625%
HK$108,219
+HK$6,207/mo
Deposit HK$14.03M · loan HK$21.05M · min. income ≈ HK$204,024/mo (50% DSR)
Upfront cash ≈ HK$15.52M (deposit + AVD stamp duty HK$1,490,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,791
−HK$5,769/mo
▼ 0.25% · 3.875%
HK$109,655
−HK$2,905/mo
Today · 4.125%
HK$112,560
baseline
▲ 0.50% · 4.625%
HK$118,493
+HK$5,933/mo
Deposit HK$14.03M · loan HK$21.05M · min. income ≈ HK$225,120/mo (50% DSR)
Upfront cash ≈ HK$15.52M (deposit + AVD stamp duty HK$1,490,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,991
−HK$7,023/mo
▼ 0.25% · 3.875%
HK$115,475
−HK$3,539/mo
Today · 4.125%
HK$119,014
baseline
▲ 0.50% · 4.625%
HK$126,256
+HK$7,242/mo
Deposit HK$10.52M · loan HK$24.56M · min. income ≈ HK$238,028/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,490,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,589
−HK$6,731/mo
▼ 0.25% · 3.875%
HK$127,931
−HK$3,389/mo
Today · 4.125%
HK$131,320
baseline
▲ 0.50% · 4.625%
HK$138,242
+HK$6,922/mo
Deposit HK$10.52M · loan HK$24.56M · min. income ≈ HK$262,640/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,490,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,989
−HK$9,029/mo
▼ 0.25% · 3.875%
HK$148,468
−HK$4,550/mo
Today · 4.125%
HK$153,018
baseline
▲ 0.50% · 4.625%
HK$162,329
+HK$9,311/mo
Deposit HK$3.51M · loan HK$31.57M · min. income ≈ HK$306,036/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$1,490,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,186
−HK$8,654/mo
▼ 0.25% · 3.875%
HK$164,482
−HK$4,358/mo
Today · 4.125%
HK$168,840
baseline
▲ 0.50% · 4.625%
HK$177,740
+HK$8,900/mo
Deposit HK$3.51M · loan HK$31.57M · min. income ≈ HK$337,680/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$1,490,944 · Scale 2, in force from 26 Feb 2026)